home > monthly newsletters > 2010 archive > august 2010

Ashford Creative Wealth Maximization Strategies Newsletter - August 2010

To view this month's newsletter, please click on the PDF file located at the bottom of the page.

This month's newsletter features the following articles:

Okay I Got It – What’s Next?

Life is complex and integrated. So is money. We live in a short-attention-span culture, and most of today’s communication mediums emphasize quick bursts of information and constantly changing inputs. When it comes to concentrated thoughts on complex ideas, most of us don’t get much practice. And that can be a problem, particularly when it comes to finances. We are conditioned to look for “what’s next?” without even being sure about what just was.

Whole Life Insurance: Complex, Ingenious

Following our theme of complexity, this article explains how integrating several basic financial ideas makes whole life insurance a complex – yet most effective – financial instrument. For those who understand, the financial benefits and opportunities are almost limitless.

Social Security: You Might Still Get It – If You Live Long Enough

Amid all the rhetoric about fixing the economy, some significant changes to Social Security are gaining bi-partisan support. Especially if you are under 50, these proposals could dramatically alter the position Social Security will have in your long-term financial plans.

Volatility Up, Investors Out

The market is up, then down. That’s not news. But what is making news is how much more dramatic the fluctuations have become in the past three years. What’s driving the volatility? It might be a computer program. Or maybe it’s because fewer individuals are investing. How will personal financial programs respond to these changing trends?

Related Documents

Ashford Creative Wealth Maximization Strategies Newsletter - August 2010

Internet Marketing Firm: Full Media

Guardian, its subsidiaries, agents, or employees do not provide tax or legal advice. The Associates of Ashford Advisors, Inc., are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Johnny Howard at 770 390-2600. The Registered Representatives are securities licensed in Georgia, Florida, Alabama, Mississippi, South Carolina, North Carolina, Tennessee, Virginia, New York, Colorado, Arizona, Michigan, Illinois and Nevada and is strictly intended for individuals residing in those states. No offers may be made or accepted from any resident outside these specified states. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside. The information on this web site is designed to be general in nature and for educational purposes only. Guardian, its agents and employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2009, The Guardian Life Insurance Company of America

* Registered Representative of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products and services offered through PAS, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

** Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), Two Ravinia Drive, Suite 750, Atlanta, GA 30346. Securities products/services and adv isory services are offered through PAS, a registered broker-dealer and investment advisor, (770) 390-2600. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Ashford Advisors is not an affiliate or subsidiary of PAS or Guardian.
PAS is a member FINRA, SIPC.

Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal or investment advice. Although the information has been gathered from sources believed reliable, please note that individual situations can vary, therefore the information should be relied upon when coordinated with individual professional advice.

Disability Income and Long Term Care products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Guardian does not offer Property and Casualty insurance products or services.